Hey everyone, welcome back to episode 960 of Money Girl.

I'm really glad to have you spending some time with me.

I'm Laura Adams, an award-winning author, on-camera spokesperson, money speaker, and founder of the MoneyStack.

That's my substack newsletter. Subscribers

automatically receive my money success toolkit, which includes the exact templates I use to manage

my finances. So don't miss that. You can learn more, ask questions, and sign up for the money

stack when you visit laura d adams.com. You can also leave a voice message with your question or comment

by calling 302-364-0308. I'd love to feature your question on finance Friday. That's our weekly

Q&A bonus edition of the show. We love getting your questions and answering them here.

So please send them in if anything's on your mind. You probably know that net worth is the

value of your assets minus your liabilities. Here's a really simple example. Let's say you have a

home and retirement accounts worth $500,000, and you've got a mortgage and

credit card debt that totals up to $350,000. Well, in that case, your true wealth is the difference,

or $150,000. The higher your net worth or wealth, the more choices you have, like starting a

business, relocating to a new city, quitting a job you don't like, retiring early, or leaving a

legacy to charities or loved ones. If you want to build wealth faster, despite having a modest

or average income, today's show is for you.

In this podcast, I'm going to go through six habits for creating more financial freedom and

stability that give you control over your future, even when you're not a high earner.

Often, I think it's challenging to see how setting aside small amounts of money can

actually lead to a substantial net worth, like a million dollars or more.

It can be mind-boggling to hear that investing $400 a month, starting at age 25, with a 7% average return, would result in over

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